Why borrow with us?
With decisions made locally, the amount you can borrow is based on your ability to repay & your credit record. There is no need to have a certain amount held in savings for unsecured loans.
Free Loan Insurance
Peace of mind at no extra cost! Terms and conditions apply.
No penalties for early repayment
Unlike some of the banks, we won’t charge you anything if you pay back your loan early!
Low cost loans
Credit Union loans are some of the lowest cost loans available.
Flexible repayments
If your circumstances change, we can change too. Just talk to us and let us know.
Loan calculator
Apply for a loan today with interest rates that suit you!
Max Loan Term :
12.68%
12.68%
12.68%
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.
Our Simple Loan Application Process
How much do you want to borrow?
Check out our loan calculator to see how much you want to borrow and what your repayments would be.
Apply online or drop into us
You can apply online right now or call into any of our branches to begin the process. You’ll also need to provide some documents.
Loan Approval
Our lending team will assess your loan and give you a decision within 24 hours.
It is not possible to re-finance an existing First Choice Credit Union personal loan to a new loan product at a lower rate. Loans are subject to approval. Terms & Conditions apply.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future.
First Choice Credit Union is regulated by The Central Bank Of Ireland Reg No: 125CU
